What happens if I overpaid my mortgage on a Demand for Payoff? You will receive a Payoff Overage Surplus check. These checks are scheduled to be printed 15-20 days after the payoff funds have been received. 4spotsupport2020-01-20T03:43:51-08:00Borrower Payoff Questions| Share This Story, Choose Your Platform! FacebookXRedditLinkedInWhatsAppTumblrPinterestVkEmail